So I told the seller, I got a bad vibe from this, sounds like this lady is going to live to a hundred, and rent control laws, as well as laws protecting tenants over 62 here in NYC make it impossible to get rid of her.

From there, back calculate an offer price you would be comfortable moving forward with in this current market.

I am asking because the below-grade basement is not counted toward living space in Kentucky, even if it is finished, and I was told that appraisers count only half of the basement space when valuing the property.

But I guess my best option is to just purchase it at the current interest rate since I still need somewhere to live.

Live in the 1 unit while renting the others.

But, neither really matters as it is your loan and you should do want makes you more comfortable. 

Additionally, i live in Chicago, so i won't see it before closing which is in 30 days. 

I lived in Katy growing up.

There may be a lot of properties, but it won't do any good if there is no one here to live in them.

I have about 20 guys, we do live video walk throughs.